Denied ERISA Short-Term Disability Benefits? Follow This Appeal Checklist

No one wants to get a claim denial letter from the insurance company for their short-term disability benefits. Unfortunately, it’s a far too common occurrence.

Many people with legitimate disability insurance claims are denied benefits and then have to appeal their insurer’s decision. If you’re thinking about filing an appeal with your short-term disability carrier, you need to have a plan — otherwise, you may make mistakes that could reduce or even eliminate your benefits.

If your short-term disability benefits are employer-funded, a federal law called ERISA (Employee Retirement Income Security Act of 1974) applies to your claim. This law sets out specific procedures that you must follow during your appeal.

This blog and corresponding article will focus on short-term ERISA claims; if your short-term disability policy is private or self-funded, contact our office for help. Our team also handles appeals for long-term disability benefits and are ready to help if you are facing an unfair denial.